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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr

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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before

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Speaker 1: we get started on She's on the Money podcast, I

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Speaker 1: would like to acknowledge the traditional custodians of the land

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Speaker 1: of which this podcast is recorded on a wondery country,

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Speaker 1: acknowledging the elders, the ancestors and the next generation coming

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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing

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Speaker 1: and the storytelling of you to make a difference for

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Speaker 1: today and lasting impact for tomorrow.

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Speaker 2: Let's get into it.

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Speaker 3: She's on the Money. She's on the Money.

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Speaker 2: Hello, and welcome to She's on Them, the podcast for

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Speaker 2: millennials who want financial freedom. Welcome back to another one

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Speaker 2: of our money diaries where I get the absolute pleasure

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Speaker 2: of talking to one of our beautiful She's on the

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Speaker 2: Money community members all about their journey. Let's jump straight

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Speaker 2: into it, because this week I got a message and

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Speaker 2: it went like this, Hello, beautiful, She's on the Money team.

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Speaker 2: I'm a thirty one year old recovered methanphetamine drug addict.

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Speaker 2: April twenty twenty three was my five year clean sobriety,

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Speaker 2: and I couldn't be more proud of how far I

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Speaker 2: have come. I was heavily addicted for several years until

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Speaker 2: I accidentally felt pregnant, which switched my mindset instantaneously, and

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Speaker 2: I haven't touched or craved for any substance since ever

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Speaker 2: since falling pregnant. I also have changed my money story,

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Speaker 2: aiming to set us both up for a safe and

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Speaker 2: comfortable life. I'm a single mum, so I didn't start

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Speaker 2: working until August late last year in twenty twenty two.

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Speaker 2: I've only been living off cent link up until then.

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Speaker 2: Since listening to She's on the Money, I have accomplished

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Speaker 2: so much and I would love to share my story

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Speaker 2: with you Money Diarist. I feel like this is going

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Speaker 2: to be such a good and such inspirational story. Thank

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Speaker 2: you for joining us.

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Speaker 4: Thank you.

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Speaker 2: I already know it's going to be good because we

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Speaker 2: had such good boun to off air, so I'm ready

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Speaker 2: to bring that on air. At the start of every

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Speaker 2: money diary, I like to ask the same question, so

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Speaker 2: let's start their money Diarist. If I asked you to

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Speaker 2: give your money habits a grade from A through to F,

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Speaker 2: what would you grade your habits today.

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Speaker 4: I would give myself a B a B.

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Speaker 2: I love it all right. My favorite question, let's dive

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Speaker 2: into it, money diarist. I want to know can you

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Speaker 2: tell us a little bit more about your money story.

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Speaker 4: So my mum was a single mother of five. I

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Speaker 4: was the baby, so things were a little dismal, but

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Speaker 4: we never went without the essentials. I remember my mum

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Speaker 4: working longer hours than most parents, agnol, felt like she

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Speaker 4: was never there. I did attend a private school, however,

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Speaker 4: the costs were covered by settling.

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Speaker 2: Oh cool, Yeah, that was good. MAM's a hustler.

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Speaker 3: Yeah.

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Speaker 4: She did end up meeting my stepdad when I was

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Speaker 4: around nine, and the older siblings moved out, so things

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Speaker 4: got a little lighter. However, we still seem to be

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Speaker 4: living paycheck to paycheck. We never did talk about finances

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Speaker 4: or money, just the occasional. I can't afford that, sorry, honey.

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Speaker 4: Never ate out. We never went on holidays, but we

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Speaker 4: did go camping and that was a blast.

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Speaker 2: Oh, I love that.

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Speaker 4: When I was thirteen, I ended up working for the

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Speaker 4: farmer across the road, milking cows at four am.

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Speaker 2: At four am. Oh my gosh, no chance, absolutely no

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Speaker 2: chance for me.

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Speaker 4: It was tough. I wasn't paid in cash though I

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Speaker 4: was paid in livestock.

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Speaker 2: Oh very cool.

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Speaker 4: I had another job at waitressing when I was around

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Speaker 4: fifteen to sixteen, and when I was nineteen, I saved

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Speaker 4: enough money to be able to go to Canada by

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Speaker 4: myself for three months.

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Speaker 2: Oh my gosh.

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Speaker 1: Yeah.

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Speaker 4: See, things were looking quite bright for me until I

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Speaker 4: found myself in trouble around the age of twenty one

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Speaker 4: twenty two, dabbling in drugs and then unfortunately becoming very

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Speaker 4: highly addicted. My value doesn't drive for anything changed dramatically.

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Speaker 2: Oh my gosh. Can you tell me a bit more

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Speaker 2: about what that gateway was like, because obviously, going from

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Speaker 2: you know, the short money story we've heard of, like yep,

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Speaker 2: I was getting up for him milking the cows, I

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Speaker 2: was getting paid in livestock all the way through to

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Speaker 2: look twenty one twenty two, I got mixed up in

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Speaker 2: some stuff that you know, I'm sure you wish you didn't,

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Speaker 2: But how did that happen? Was it the people that

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Speaker 2: were surrounding you? Was it something you sought out? Was it,

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Speaker 2: you know, working in a particular wait trusting job like

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Speaker 2: tell us a little bit more about that It was.

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Speaker 4: Actually my family, so I was around it for two

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Speaker 4: years before I actually tried it. I went into the

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Speaker 4: wrong pathway from family influence. I think they all feel

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Speaker 4: pretty bad about that, but we were all in a

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Speaker 4: bad situation and we're thankfully all of us out of

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Speaker 4: that now too.

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Speaker 2: Love love to hear that.

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Speaker 4: Yeah for us, but yeah, So it was the wrong

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Speaker 4: pathway to go down, and I happened to get into

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Speaker 4: the wrong place, wrong time, family, and we're all looking

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Speaker 4: up now.

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Speaker 2: So what did that look like when it came to

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Speaker 2: I guess your money story. Obviously, when you're purchasing substances

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Speaker 2: like that, they're not cheap. How did you fund that?

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Speaker 2: What did that look like?

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Speaker 4: So there's like friends or friends, You've got different platforms

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Speaker 4: where you can find it, and people just want to

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Speaker 4: hang out with you and supply the drugs. Majority of

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Speaker 4: those are men. Unfortunately, yep, I had a sugar daddy too,

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Speaker 4: so he.

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Speaker 2: Was This is going to be the spiciest money story.

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Speaker 2: I cannot wait to dissect this. Even more so.

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Speaker 4: He was involved in the drug game too. I just

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Speaker 4: loved to spend time with young females and supplying as

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Speaker 4: much drugs as he could. He was pretty well off.

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Speaker 4: So yeah, it was basically it was easy to get

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Speaker 4: a hold of.

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Speaker 2: Because you just asked him in it would be straight

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Speaker 2: into your pocket. I suppose definitely. Yeah, how did you

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Speaker 2: get introduced to? I guess those people, because it goes

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Speaker 2: above and beyond being in a situation where you're like, look,

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Speaker 2: family introduced me. They were doing it and you know,

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Speaker 2: tried it a few times and kept getting it to

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Speaker 2: going all right, well, I'm going to get a sugar daddy.

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Speaker 2: And I mean that's a fair choice as long as

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Speaker 2: everybody in that circumstance is consenting. Like who am I

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Speaker 2: to judge? But I look at it and go all right, well,

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Speaker 2: how did you decide that was for you? And how

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Speaker 2: did you get out of it? Importantly?

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Speaker 4: Yeah, so I wasn't looking for a sugar daddy. It

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Speaker 4: didn't happen like that. It just happened to be one

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Speaker 4: of my friends. Well, people that I was hanging out

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Speaker 4: with that we did drugs with. They were hanging out

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Speaker 4: with this older guy and he supplied everything to them

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Speaker 4: and you know, bought them fancy things and stuff, and

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Speaker 4: then it was just bringing your friends and I was

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Speaker 4: one of those, And yeah, it just went from there.

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Speaker 2: Makes a lot of sense, though, because if you're like

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Speaker 2: this guy gives me exactly what I'm looking for, it

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Speaker 2: becomes very easy.

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Speaker 4: Yeah, it did, and it was probably too much, to

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Speaker 4: be honest, So yeah, where it went downhill too easily

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Speaker 4: accessible for me, and it was a three, four times

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Speaker 4: a day sort of usage that got out of hand.

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Speaker 2: Oh my gosh. And then in your letter into us,

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Speaker 2: you said I felt pregnant and instantaneously I cut it.

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Speaker 2: I didn't crave it, I don't use the substance. I'm

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Speaker 2: not interested in it. How did that change you? Because

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Speaker 2: obviously that's not a situation that everyone finds themselves in.

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Speaker 2: I wish it was, because obviously that would be a

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Speaker 2: really beautiful outcome for absolutely everybody and their babies in

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Speaker 2: that circumstance. But how did you make that switch? Because

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Speaker 2: you know, the drug we're talking about is incredibly addictive,

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Speaker 2: and that can't have been a very nice process to

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Speaker 2: have gone through.

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Speaker 4: I was around it for a while, and I had

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Speaker 4: a lot of friends that had a lot of kids

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Speaker 4: as well, and I just remember looking back and thinking,

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Speaker 4: I do not want to bring a child into this world.

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Speaker 4: And I was adamant about that. When I found out

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Speaker 4: I was pregnant, I actually had drugs on me. I

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Speaker 4: was about to you know, consume them, and someone was like,

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Speaker 4: you might be pregnant because I was like two weeks late,

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Speaker 4: and I was like, nah, you're not possible. I ended

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Speaker 4: up going down to the pharmacy coming back and I

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Speaker 4: was pregnant. Yeah. I was blown away through those drugs

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Speaker 4: to my friends and have never looked back.

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Speaker 2: Oh my gosh, I'm so proud of you. That's such

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Speaker 2: a big decision because it would have been such an

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Speaker 2: awful like withdrawal process, and like, you know, I know

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Speaker 2: that you said you haven't craved them or wanted to

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Speaker 2: do that, but like your body would have been going, hey,

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Speaker 2: where's this stuff that I'm so dependent on? How did

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Speaker 2: you do that? I'm so intrigued because it's such a

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Speaker 2: powerful story.

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Speaker 4: Yeah. So I went to my doctor, told them the

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Speaker 4: drug usage that I was doing, how much I was consuming,

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Speaker 4: that i'd fallen pregnant, and that I wanted to, you know,

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Speaker 4: do as much as I can to get us both

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Speaker 4: healthy and good. So basically I moved back down to

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Speaker 4: my hometown and with my mum, went into hibernation and

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Speaker 4: all I did was eat and sleep more than I

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Speaker 4: ever have before.

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Speaker 2: I mean, pregnancy sometimes does do that to you too,

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Speaker 2: so it might have been a mix of all of it.

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Speaker 2: My friends. Yeah, I want to know a bit more

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Speaker 2: about your money story because you're now thirty one, so

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Speaker 2: that was back when you were twenty one twenty two,

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Speaker 2: and obviously times have changed. You have a beautiful baby

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Speaker 2: now or a beautiful toddler. Now, tell me a bit

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Speaker 2: more about life today. What does it look like.

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Speaker 4: Gosh, she is a little ray of some chum, but

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Speaker 4: she has a hell of a lot of attitude.

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Speaker 2: Yeah, the best way to be. I love her already.

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Speaker 4: We're good. So we have daycare and Kindy So she's

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Speaker 4: at Kindy now, which is cute and swimming lessons. Life

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Speaker 4: is so fulfilling, like having a child just makes life

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Speaker 4: so much better. There's so much more value and meaning

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Speaker 4: and it's just a rainbow every day basically apart from

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Speaker 4: the attitude and sassiness.

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Speaker 2: Now that makes it even better. No, I love it.

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Speaker 4: Yeah, it's good. Life is amazing, all right.

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Speaker 2: I want to know now. You mentioned before that you

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Speaker 2: didn't start working until August last year. What do you

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Speaker 2: do for work now? How much money do you warn?

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Speaker 4: I do admin, payroll and account support, so I do

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Speaker 4: twenty five hours a week with a forty five minute

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Speaker 4: drive each way. Oh my gosh, I'm on forty four

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Speaker 4: thousand a year plus super. But I don't claim the

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Speaker 4: tax free threshold, so I get about thirty three in

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Speaker 4: my bank. But in saying that, I still get settlink.

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Speaker 4: I receive single parenting payment yep, family tax benefits, which

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Speaker 4: is about seventeen thousand a year. And then I also

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Speaker 4: have a sidehouse on the weekend.

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Speaker 2: Oh my gosh, of course you do.

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Speaker 1: What is that?

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Speaker 4: I set up like play for kids' parties and I

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Speaker 4: stare it, so it's another company that owns it, and

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Speaker 4: I'm just a trade off of that, which is pretty

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Speaker 4: good because my daughter can come with me and she

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Speaker 4: helps me set up.

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Speaker 2: Oh my gosh. And you'd love it too, because you'd

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Speaker 2: be like, oh, we're setting up basically a park for

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Speaker 2: all of these little babies.

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Speaker 4: Yeah, there's like a bullpit and stuff, and she'll just

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Speaker 4: like get in there.

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Speaker 2: She's got to test it. She's quality control.

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Speaker 4: She does pretty good.

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Speaker 2: Oh my gosh, I love that so much. So what

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Speaker 2: does the side hustle bring in each year.

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Speaker 4: About five over five thousand.

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Speaker 2: Oh that's good cash for a few things that you

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Speaker 2: get up to on the weekend.

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Speaker 4: Though it doesn't take up much for my time, so

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Speaker 4: it's good and it's good that she can come with me.

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Speaker 2: Works well, where does your work life balance come into that?

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Speaker 2: You've mentioned you've got a young child there in daycare

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Speaker 2: and kinder You, you know, are driving forty five minutes

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Speaker 2: each week from work. You're doing side hustles on the weekend.

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Speaker 2: Do you have a personal life? Are you like dating?

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Speaker 2: What's going on there?

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Speaker 4: I'm in an actual polyamory relationship.

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Speaker 2: Okay, didn't see that coming.

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Speaker 4: Yeah, so have a girlfriend, she has a partner, yep,

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Speaker 4: and I can if I like to, but not really

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Speaker 4: interested in it. We've been together nearly two years now.

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Speaker 2: Oh very cool. Can I be real pervy and ask

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Speaker 2: about how the dynamics of that work? What does that

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Speaker 2: actually look like? So, if your girlfriend has a partner,

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Speaker 2: do they live full time together? Like, how do you interact?

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Speaker 2: What does that look like?

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Speaker 4: She has a primary other, they live together, they're engaged.

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Speaker 4: But we all get along really well. It was a

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Speaker 4: bumpy at the start. I go up to their house

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Speaker 4: and I stay all the time and my daughter stays

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Speaker 4: in their spare room. We get along really good. It

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Speaker 4: works really well.

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Speaker 2: How good. Tell me about the financial side of it, though?

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Speaker 2: How do you split it three ways?

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Speaker 1: Like?

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Speaker 2: Is it them paying more because you're the single kind

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Speaker 2: of in this relationship or what does that look like?

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Speaker 4: All of our finances are separate, so they don't share finances.

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Speaker 4: I don't share finances. However, her male partner is a chef.

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Speaker 2: This is a good deal for everybody involved.

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Speaker 4: He gets fresh produced too, from one of his suppliers. Weekly.

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Speaker 4: He brings me a box of goodies. Oh my gosh, yeah,

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Speaker 4: this reduces my grocery bills, like dramatically.

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Speaker 2: Adore this whole polyamory thing, Like you're selling me on it.

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Speaker 2: Can you tell me what long term looks like? Obviously

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Speaker 2: they're engaged, they're planning on I'm assuming getting married at

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Speaker 2: some point. Will you stick around for that whole picture?

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Speaker 2: Will this become like a you guys move in together?

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Speaker 2: Like I don't know what does that look like?

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Speaker 4: Oh gosh, that's a good question.

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Speaker 2: Sorry, Sorry, I'm getting ahead of myself, but I'm like,

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Speaker 2: what does this look like?

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Speaker 4: We actually haven't really talked about that. They've kind of

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Speaker 4: hold on the marriage at the moment. So I came

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Speaker 4: into it when they got engaged. Yeah, and I was

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Speaker 4: just a friend. It wasn't like a relationship we were

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Speaker 4: looking for in the polyamory, you know, we weren't looking

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Speaker 4: for this type of relationship. She was a friend. I

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Speaker 4: fell in love with her, She fell in love with me.

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Speaker 4: She had to talk to her partner before she confronted

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Speaker 4: to me, so they had a talk and then she

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Speaker 4: came to me, and then we all had a discussion together,

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Speaker 4: and it's just bloomed from there. They have really halted

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Speaker 4: their marriage because of me. They just halted it because

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Speaker 4: of other circumstances too. I think they are on the

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Speaker 4: horizon of getting back into it, but for now, I

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Speaker 4: think we're just working out what the future holds for us.

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Speaker 2: Was this your first polyamorous relationship?

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Speaker 4: Oh yes, I didn't even really know it was a thing.

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Speaker 2: How did that work? Were you like, oh my gosh,

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Speaker 2: what do you mean? Can I, you know, date you

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Speaker 2: at the same time? Like, as you said before, you

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Speaker 2: were like it was a bit rocky at the start.

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Speaker 2: Was that because you just hadn't done it before or

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Speaker 2: didn't know I guess the boundaries and what that looked like.

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Speaker 2: Tell me a bit more about that, because I just

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Speaker 2: look at it and go, I don't even know how

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Speaker 2: this would come up.

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Speaker 4: None of us really knew what we were doing. There

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Speaker 4: was a lot of jealousy involved, like a lot of

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Speaker 4: jealousy not just from my part, but her male partner's

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Speaker 4: part as well. It was on a rollercoaster for him

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Speaker 4: with his emotions. He didn't know how he felt. Sometimes

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Speaker 4: other times he was okay, and then other times he

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Speaker 4: was like, no, can we stop. So it was very bumpy,

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Speaker 4: But in the end we have like boot amazing. Now

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Speaker 4: it's gotten to a point where we all sit on

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Speaker 4: the couch and watch movies or like I actually stay

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Speaker 4: at their house and it's him, her and me. We're

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Speaker 4: all just in the bed together, just casually, fine, casual.

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Speaker 2: I'm so pervy on it, just because I'm like, I

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Speaker 2: don't know how this would work, because obviously he wasn't

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Speaker 2: as on board at the start. Does that mean you're

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Speaker 2: sort of in a relationship with him as well, or

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Speaker 2: is it definitely just the two of the girls and

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Speaker 2: he's just like, yeah, she can sleep over and sleep

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Speaker 2: in the bed, But like, I'm not part of this,

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Speaker 2: but like, is he part of that? I guess relationship dynamic.

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Speaker 4: So there is no sexual like areas between him and I,

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Speaker 4: but there is a more care factor there and a

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Speaker 4: more like.

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Speaker 2: That's what I was like, because he's bringing you like

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Speaker 2: fruit and veggie boxes and like looking after you in

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Speaker 2: the way that a partner might. I'm like, I didn't

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Speaker 2: expect that from somebody who kind of wasn't the dating partner.

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Speaker 4: Yeah, it seems a bit different from everyone else's point.

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Speaker 2: Of so it sounds beautiful. It sounds like, I don't

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Speaker 2: know how to explain this. You're talking about them, and

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Speaker 2: you are beaming, like you are quite clearly so happy

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Speaker 2: about this situation, and I'm sure that they talk about

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Speaker 2: you in exactly the same way. So like, I just

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Speaker 2: love that you're so happy in this. Like, I don't

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Speaker 2: think it matters that it's different, Like everybody's relationship in

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Speaker 2: some way, shape or form, is different. It doesn't actually

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Speaker 2: matter as long as everybody in the relationship is like

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Speaker 2: happy about it, right of.

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Speaker 4: Course, yeah, and everyone is just family members might not be.

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Speaker 2: Oh, is that an issue because there's like a lack

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Speaker 2: of clarity or they just don't get it.

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Speaker 4: I don't think they get it.

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Speaker 2: No, I can't believe that because I just feel like

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Speaker 2: if my kid came home and was like, I have

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Speaker 2: a girlfriend who has a partner, I'd be like, does

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Speaker 2: everybody know? Yep? Okay, well that's not my place to judge. Like,

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Speaker 2: you're happy, great, no worries, all the jops you it's

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Speaker 2: all good. Let's get back on track. Though. I want

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Speaker 2: to know what are you currently working towards? What is

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Speaker 2: your big goal?

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Speaker 4: Okay, so one of them was I'm going on a

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Speaker 4: cruise to New Zealand with my girlfriend, just us, not

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Speaker 4: the other partner. Yeah, but I've already paid that off

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Speaker 4: with winner. Yeah, so I just need spending money.

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Speaker 2: When is that happening? Is it soon?

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Speaker 1: Like?

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Speaker 2: How long have we got for spending money?

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Speaker 4: March next year?

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Speaker 2: So oh you've got heaps of time?

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Speaker 4: Yeah? How long for it's eleven days?

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Speaker 2: Very nice.

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Speaker 4: We're going to Sydney first for a couple of days,

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Speaker 4: and then Newcastle because she grew up there, so.

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Speaker 2: Oh how fun? And then what after that? You've got

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Speaker 2: this big cruise working towards that? Is there any other

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Speaker 2: big money goals that you're working towards just to be comfortable.

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Speaker 4: Really, yes, I just want to be financially stable. Yeah.

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Speaker 4: A goal of mine used to be the Australian drink

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Speaker 4: to own home, and I thought a two percent deposit

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Speaker 4: for a single mum seemed achievable. But after listening to

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Speaker 4: your podcast and you know, finding out the nitty gritty

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Speaker 4: stuff and everything that else comes with it, I just

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Speaker 4: realized that, well, it's not for me, it's not what

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Speaker 4: I want, doesn't align my values anymore.

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Speaker 1: Oh.

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Speaker 2: I love that. I love that you're clear on that.

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Speaker 2: It doesn't mean it won't change in the future if

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Speaker 2: you end up in a you know, more stable financial situation,

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Speaker 2: but I kind of love that it's not putting pressure

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Speaker 2: on you at the moment.

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Speaker 4: It feels good not to feel that pressure.

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Speaker 1: Love.

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Speaker 2: All right, let's go to a really quick break because

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Speaker 2: I have approximately one million questions for you right after

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Speaker 2: this all right, money direst We are back, and I

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Speaker 2: feel like this has thrown a few I don't want

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Speaker 2: to say spanners in the works, but like there's been

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Speaker 2: some curveballs that I didn't see coming in this money story.

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Speaker 2: I want to know now obviously you have gone from

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Speaker 2: you know, not being in a good financial position to

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Speaker 2: being I would say in a great one, do you

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Speaker 2: have any investments? If so, what are they? If you don't,

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Speaker 2: why not?

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Speaker 4: So I salary sacrifice one hundred dollars a week into

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Speaker 4: my super because when I was in trouble, I obviously

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Speaker 4: didn't have a job, so my super is reasonably low

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Speaker 4: at the moment. I've also set up a raise account

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Speaker 4: and I do your thirty five dollars automatic transfer weekly

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Speaker 4: and offer that I have a kid's account as well. Yeah,

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00:19:06,840 --> 00:19:10,919
Speaker 4: ten dollars weekly. So oh, I'm wanting to set up

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00:19:10,960 --> 00:19:13,600
Speaker 4: a good portfolio, though, I just need to educate myself

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Speaker 4: a little bit better.

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Speaker 2: And I feel like you're well on the way to that,

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Speaker 2: especially knowing how much you earn per year. But then

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Speaker 2: you're also prioritizing investing. This is so sexy. I love it.

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Speaker 2: I want to know a bit more about your daughter,

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Speaker 2: though you mentioned her earlier, and then you just said

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Speaker 2: you have like a kid's investment portfolio that you're investing into.

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Speaker 2: How do you discuss money with your daughter?

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Speaker 4: That one's hard. So she's very young. I feel like

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Speaker 4: she was very young anyway, She's still my baby, so

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Speaker 4: I think the only way for me to do that

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Speaker 4: at the moment is like, she gets birthday money and stuff,

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Speaker 4: so we'll go out to the shops and we'll show

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Speaker 4: what she can get with that money and show her

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Speaker 4: what she can't. But that's it at the moment. I

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Speaker 4: think when she gets a bit older, I will encourage

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Speaker 4: her to do food shopping with me, and I'll encourage

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Speaker 4: her to do chores in order to get money and

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Speaker 4: say love.

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Speaker 2: I feel like when they're so young, it's very hard,

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Speaker 2: but I like how open you are to like understanding

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Speaker 2: what it looks like for her age and what that

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Speaker 2: looks like into the future. I always like asking about

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Speaker 2: it because I have no idea exactly how I'm going

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Speaker 2: to talk to my kids about money, like none, because

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Speaker 2: they're all so different as well, like one kid, as

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Speaker 2: you were saying, your daughter incredibly sassy. Maybe it just

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Speaker 2: won't fall in the same way it does with other kids.

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Speaker 4: Yeah, exactly, All right.

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Speaker 2: Next question I have my friend, Do you have any debts?

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Speaker 2: If so, what are they and what are they for?

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Speaker 4: Okay, so I have about one thousand dollars left on

437
00:20:37,280 --> 00:20:40,040
Speaker 4: my debt. It's not your usual debt that you hear

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Speaker 4: on cheese on the money. I'm actually paying off court

439
00:20:42,760 --> 00:20:46,560
Speaker 4: fines and infringements from back in the day. So that

440
00:20:46,800 --> 00:20:49,399
Speaker 4: was a total of about twenty five thousand dollars.

441
00:20:49,520 --> 00:20:52,280
Speaker 2: Oh my gosh, and you've paid nearly all of it off. Yeah,

442
00:20:52,359 --> 00:20:55,640
Speaker 2: queen behavior, I love this. I love this so much.

443
00:20:55,720 --> 00:20:57,840
Speaker 2: How long do you think it'll be before that is

444
00:20:57,920 --> 00:20:59,080
Speaker 2: completely extinguished?

445
00:20:59,480 --> 00:21:01,600
Speaker 4: It will be gone by the start of next year,

446
00:21:01,600 --> 00:21:02,400
Speaker 4: about January.

447
00:21:02,480 --> 00:21:04,399
Speaker 2: Oh my gosh. I love this. And how will you

448
00:21:04,440 --> 00:21:06,399
Speaker 2: feel once all of that is gone? Do you feel

449
00:21:06,400 --> 00:21:08,720
Speaker 2: like that's going to be like, I guess, another line

450
00:21:08,760 --> 00:21:10,600
Speaker 2: in the sand for a life that once was.

451
00:21:11,359 --> 00:21:14,000
Speaker 4: Yes, for sure, it's the last line in the sand

452
00:21:14,160 --> 00:21:15,119
Speaker 4: of life that once was.

453
00:21:15,200 --> 00:21:17,480
Speaker 2: It's the only thing that lingers you, Like, get out,

454
00:21:17,680 --> 00:21:20,520
Speaker 2: I'm done here. I can't be bothered with this. Oh

455
00:21:20,560 --> 00:21:22,720
Speaker 2: that'll be so exciting. How are you going to celebrate?

456
00:21:22,800 --> 00:21:25,359
Speaker 2: Oh gosh, I haven't thought that you have to celebrate?

457
00:21:25,520 --> 00:21:28,119
Speaker 4: You have to, Okay, Okay, I don't know what I'll do.

458
00:21:28,240 --> 00:21:30,120
Speaker 2: You can think about it, but please tell me when

459
00:21:30,200 --> 00:21:32,760
Speaker 2: you do, all right, I want to know. Now you're

460
00:21:32,760 --> 00:21:34,679
Speaker 2: a mum. You seem to be a bit of a

461
00:21:34,680 --> 00:21:36,960
Speaker 2: whizz at a side hustle. I need to know what

462
00:21:37,240 --> 00:21:38,840
Speaker 2: is your best money habit.

463
00:21:39,680 --> 00:21:42,800
Speaker 4: I have a pretty good automatic banking system set up

464
00:21:42,880 --> 00:21:46,000
Speaker 4: now with up Bank. Once my pay comes in, all

465
00:21:46,040 --> 00:21:48,919
Speaker 4: my bills are allocated to the separate accounts and I

466
00:21:48,920 --> 00:21:50,719
Speaker 4: don't have to worry about them for the future.

467
00:21:51,000 --> 00:21:53,160
Speaker 2: I love that so much. How did you work out

468
00:21:53,200 --> 00:21:55,000
Speaker 2: what needed to go where and when? Was it a

469
00:21:55,040 --> 00:21:57,080
Speaker 2: bit of a teething process or was it just a

470
00:21:57,080 --> 00:21:58,320
Speaker 2: set and forget one day?

471
00:21:58,440 --> 00:21:58,560
Speaker 1: Like?

472
00:21:58,840 --> 00:21:59,760
Speaker 2: How do we all do this?

473
00:22:01,480 --> 00:22:03,840
Speaker 4: So? I worked out all my bills that come up.

474
00:22:03,880 --> 00:22:07,200
Speaker 4: So when Red Joe services, I worked out all the

475
00:22:07,240 --> 00:22:09,399
Speaker 4: amounts that they are. Then I worked out what they

476
00:22:09,440 --> 00:22:11,480
Speaker 4: would be monthly, and then I would work out what

477
00:22:11,520 --> 00:22:14,280
Speaker 4: they would be weekly once it fills up into my

478
00:22:14,359 --> 00:22:17,480
Speaker 4: bank account. It's therefore when that bill actually comes in.

479
00:22:17,520 --> 00:22:19,520
Speaker 2: Queen, I love this so much. It makes me so

480
00:22:19,600 --> 00:22:22,240
Speaker 2: happy to hear. Let's bring down the mood, though. What's

481
00:22:22,240 --> 00:22:23,399
Speaker 2: your worst money habit?

482
00:22:24,119 --> 00:22:27,000
Speaker 4: Okay, So I love to go out for dinner and drink.

483
00:22:27,720 --> 00:22:30,600
Speaker 4: I do have expensive taste. Now that's thanks to my

484
00:22:30,640 --> 00:22:34,840
Speaker 4: girlfriend Rude. But it does align to my values all right.

485
00:22:34,880 --> 00:22:37,080
Speaker 2: Well, she can say, she's all right, I've got no

486
00:22:37,160 --> 00:22:39,320
Speaker 2: beef with her. What does that look like? How are

487
00:22:39,359 --> 00:22:41,760
Speaker 2: you budgeting for that? And you know, is that something

488
00:22:41,760 --> 00:22:43,800
Speaker 2: where you're like, ah, the it's my worst money? Have

489
00:22:43,920 --> 00:22:45,960
Speaker 2: it because I just do it and don't think about

490
00:22:46,000 --> 00:22:48,639
Speaker 2: my budget or is that oh now it's such a

491
00:22:48,680 --> 00:22:50,640
Speaker 2: significant portion of my budget.

492
00:22:51,160 --> 00:22:53,679
Speaker 4: Well with all the bills and they're allocated for I

493
00:22:53,800 --> 00:22:57,760
Speaker 4: do set up another account so when I have, say,

494
00:22:57,840 --> 00:23:00,920
Speaker 4: more money from the site hustle, I'll just chuck it

495
00:23:00,960 --> 00:23:03,720
Speaker 4: into that account so that money is there that I

496
00:23:03,760 --> 00:23:06,600
Speaker 4: can see. But I do sometimes go over that and

497
00:23:06,640 --> 00:23:08,240
Speaker 4: just spend be a little bit cheeky.

498
00:23:08,400 --> 00:23:11,119
Speaker 2: Yeah, yeah, I love it. It's not even the worst, like

499
00:23:11,200 --> 00:23:13,800
Speaker 2: dinner and drinks, especially with someone you love. Like ten

500
00:23:13,840 --> 00:23:15,480
Speaker 2: out of ten, I love it. We're not going to

501
00:23:15,520 --> 00:23:18,120
Speaker 2: regret that all right now that we've had a really

502
00:23:18,160 --> 00:23:20,480
Speaker 2: good conversation. At the start of the conversation, you said, look,

503
00:23:20,480 --> 00:23:22,560
Speaker 2: I reckon, I'm a bit of a bee. I have

504
00:23:22,680 --> 00:23:24,880
Speaker 2: learned so much about you in such a short period

505
00:23:24,920 --> 00:23:27,520
Speaker 2: of time. Do you still think that your money habits

506
00:23:27,560 --> 00:23:30,040
Speaker 2: or a bee? If so, why, if not, what would

507
00:23:30,080 --> 00:23:31,080
Speaker 2: you regrade them to.

508
00:23:31,440 --> 00:23:34,040
Speaker 4: I would say I'm still a bee. I'm happy with

509
00:23:34,160 --> 00:23:37,359
Speaker 4: everything I'm doing where I'm at with my finances. I

510
00:23:37,400 --> 00:23:40,280
Speaker 4: could be better, but now I'm happy. I would like

511
00:23:40,320 --> 00:23:43,119
Speaker 4: to educate and learn as much as I can about investing.

512
00:23:43,240 --> 00:23:45,600
Speaker 4: And I think once I get there and I'm happy,

513
00:23:45,680 --> 00:23:47,040
Speaker 4: I'll then give myself the.

514
00:23:47,000 --> 00:23:49,199
Speaker 2: A oh, we can do that together. I've got you, like,

515
00:23:49,280 --> 00:23:51,879
Speaker 2: I have so much investing content, like, I'm going to

516
00:23:52,080 --> 00:23:54,040
Speaker 2: shove it all your way and you're going to be

517
00:23:54,119 --> 00:23:57,520
Speaker 2: the most educated mom out there before we go. I

518
00:23:57,560 --> 00:24:01,080
Speaker 2: have another question because obviously you've been so open. I

519
00:24:01,119 --> 00:24:03,480
Speaker 2: can't have ownership over being proud of somebody that have

520
00:24:03,560 --> 00:24:05,440
Speaker 2: had nothing to do with. But I just I look

521
00:24:05,440 --> 00:24:07,680
Speaker 2: at your story and I go far out, like I mean, awe,

522
00:24:07,840 --> 00:24:10,720
Speaker 2: Like I think you've done so well. You know, even

523
00:24:10,760 --> 00:24:12,760
Speaker 2: when you said before you were like, look, I found

524
00:24:12,800 --> 00:24:15,720
Speaker 2: out I was pregnant, shoved drugs to the side, didn't

525
00:24:15,720 --> 00:24:17,960
Speaker 2: do that, and I went to the doctor and said

526
00:24:18,320 --> 00:24:20,359
Speaker 2: how much I was taking and what was going on?

527
00:24:20,640 --> 00:24:23,560
Speaker 2: Like even that step most people like, absolutely not. I

528
00:24:23,560 --> 00:24:25,119
Speaker 2: don't want to talk to a doctor. There would be

529
00:24:25,160 --> 00:24:27,160
Speaker 2: so much judgment, There would be, you know, so many

530
00:24:27,160 --> 00:24:30,240
Speaker 2: issues with that. If somebody is listening to this and

531
00:24:30,240 --> 00:24:32,359
Speaker 2: they're in a similar position to the position you were

532
00:24:32,400 --> 00:24:34,520
Speaker 2: in when you were twenty one twenty two. What would

533
00:24:34,520 --> 00:24:37,239
Speaker 2: your advice be to them? Because if they're listening to this,

534
00:24:37,320 --> 00:24:40,040
Speaker 2: I already know they're like, I want her life, like

535
00:24:40,160 --> 00:24:42,760
Speaker 2: I want to be like her. She's a queen. How

536
00:24:42,800 --> 00:24:44,760
Speaker 2: did she do it? What is her advice?

537
00:24:45,760 --> 00:24:47,320
Speaker 4: Oh gosh, that's a hard one.

538
00:24:47,400 --> 00:24:49,680
Speaker 2: I didn't promise the questions would be easy, my friend.

539
00:24:51,640 --> 00:24:54,280
Speaker 4: Just take it day by day and know that you'll

540
00:24:54,320 --> 00:24:57,080
Speaker 4: step in in the right direction. When you're in that

541
00:24:57,160 --> 00:25:00,000
Speaker 4: world and you're in that place, it is a very

542
00:25:00,160 --> 00:25:04,439
Speaker 4: gray and very dark place, and I think the further

543
00:25:04,520 --> 00:25:08,280
Speaker 4: away from it you get, the more color that you

544
00:25:08,480 --> 00:25:11,680
Speaker 4: feel comes into your life. It is a hard process,

545
00:25:11,680 --> 00:25:13,600
Speaker 4: but you'll get there for sure. I love it.

546
00:25:13,840 --> 00:25:16,119
Speaker 2: I love it. I feel like I've learned so much.

547
00:25:16,359 --> 00:25:18,800
Speaker 2: Thank you so much for joining us. I'm sorry that

548
00:25:18,800 --> 00:25:21,280
Speaker 2: that is all we have time for today, but it

549
00:25:21,359 --> 00:25:24,000
Speaker 2: has been an absolute pleasure having a chat with you

550
00:25:24,040 --> 00:25:25,639
Speaker 2: and getting to spend some time together.

551
00:25:25,960 --> 00:25:26,280
Speaker 4: Thank you.

552
00:25:32,840 --> 00:25:35,359
Speaker 2: The advice shared on She's on the Money is general

553
00:25:35,400 --> 00:25:39,280
Speaker 2: in nature and does not consider your individual circumstances. She's

554
00:25:39,320 --> 00:25:42,720
Speaker 2: on the Money exists purely for educational purposes and should

555
00:25:42,800 --> 00:25:45,960
Speaker 2: not be relied upon to make an investment or financial decision.

556
00:25:46,359 --> 00:25:48,800
Speaker 2: If you do choose to buy a financial product, read

557
00:25:48,840 --> 00:25:53,000
Speaker 2: the PDS TMD and obtain appropriate financial advice tailored towards

558
00:25:53,000 --> 00:25:56,280
Speaker 2: your needs. Victoria Divine and She's on the Money are

559
00:25:56,359 --> 00:26:00,439
Speaker 2: authorized representatives of Money Shopper Pty Ltd. The A B

560
00:26:00,600 --> 00:26:03,639
Speaker 2: N three two one six four nine two seven seven

561
00:26:03,760 --> 00:26:06,680
Speaker 2: zero eight A F s L four five one two

562
00:26:06,680 --> 00:26:08,000
Speaker 2: eight nine